State Comparison

Texas vs Ohio

Side-by-side comparison of 16 financial metrics including taxes, housing costs, cost of living, wages, and insurance — powered by verified government data.

Overall Score

6
Texas
TX
1 tied
of 16 metrics
9
Ohio
OH

Cost of Living

Cost of Living Index
TX: 93.9
OH: 90.8
OH

Housing

Median Home Price
TX: $310,000
OH: $205,000
OH
Median 2BR Rent
TX: $1,275/mo
OH: $900/mo
OH
Closing Costs
TX: 2.50%
OH: 2.70%
TX
Transfer Tax Rate
TX: 0.00%
OH: 0.10%
TX

Taxes

Property Tax Rate
TX: 1.80%
OH: 1.56%
OH
Top Income Tax Rate
TX: None
OH: 3.50%
TX
Sales Tax Rate
TX: 6.25%
OH: 5.75%
OH
Capital Gains Tax Rate
TX: None
OH: 3.50%
TX

Income & Employment

Median Household Income
TX: $67,321
OH: $58,642
TX
Minimum Wage
TX: $7.25/hr
OH: $10.70/hr
OH
Max Unemployment Benefit
TX: $521/wk
OH: $480/wk
TX

Business

LLC Filing Fee
TX: $300
OH: $99
OH
LLC Annual Fee
TX: $0
OH: $0
Tie

Insurance & Living

Avg Car Insurance
TX: $2,150/yr
OH: $1,350/yr
OH
Avg Home Insurance
TX: $3,600/yr
OH: $1,470/yr
OH

Key Takeaways

  • 1

    Ohio leads in 9 of 16 financial metrics, making it the more favorable state overall.

  • 2

    Housing: Median home prices are $310,000 in Texas vs $205,000 in Ohio — a $105,000 difference.

  • 3

    Taxes: Texas has no income tax while Ohio has a 3.5% top rate. Property tax rates are 1.8% vs 1.56%.

  • 4

    Cost of Living: Texas's index is 93.9 and Ohio's is 90.8 (national average = 100).

Run the Numbers

Use our free calculators with real Texas and Ohio data to model your specific scenario.

Texas Property Tax Calculator Ohio Property Tax Calculator Texas Paycheck Calculator Ohio Paycheck Calculator Texas Cost of Living Calculator Ohio Cost of Living Calculator

Frequently Asked Questions

Is Texas or Ohio more affordable?

Ohio has a lower cost of living index (90.8) compared to Texas (93.9), where 100 is the national average. However, affordability depends on your specific situation — compare housing, taxes, and income together for a complete picture.

Which state has lower taxes — Texas or Ohio?

Overall, Texas has a lower combined tax burden. Texas has no income tax, 6.25% sales tax, and 1.8% property tax. Ohio has a 3.5% top income tax, 5.75% sales tax, and 1.56% property tax.

What are housing costs in Texas vs Ohio?

The median home price in Texas is $310,000 compared to $205,000 in Ohio. For renters, a 2-bedroom apartment averages $1,275/month in Texas vs $900/month in Ohio.

Which state is better for starting a business — Texas or Ohio?

LLC filing costs are $300 in Texas vs $99 in Ohio, with annual fees of $0 and $0 respectively. Texas's lack of income tax compared to Ohio's 3.5% rate may also factor into your decision.

Should I move from Texas to Ohio?

It depends on your priorities. Ohio wins in 9 of 16 metrics we compared. Use our free calculators to model your specific financial scenario — including salary, property tax, and cost of living for each state.

Related Comparisons

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Comparing Texas and Ohio

When deciding between living in Texas or Ohio, the financial picture goes beyond just one metric. This comparison analyzes 16 key financial indicators sourced from the U.S. Census Bureau, Tax Foundation, HUD Fair Market Rent data, and Bureau of Labor Statistics to give you a comprehensive overview.

Texas (TX) has a median household income of $67,321 with a cost of living index of 93.9. Ohio (OH) has a median household income of $58,642 with a cost of living index of 90.8.

These numbers are estimates. Individual circumstances vary based on location within each state, family size, profession, and lifestyle. Use our free Texas calculator or Ohio calculator to model your specific financial scenario.

Data sources: Census Bureau ACS, Tax Foundation, HUD FMR, BLS. Last verified January 2026. Calculators provide estimates only — consult a qualified professional for financial advice.